...Morale, much like the luck stat if I am not mistaken, is a stat very few people have a handle on. It's a non-intuitive stat (unlike say strength or damroll etc) and I'd be frankly shocked if a non-IMM understands the ins and outs of the stat.

I'm sure you can then see where that might bother a player such as myself?

Frankly morale has been a sore point for me for years. I have an idea that's it's a modifier for many skills and spells, I know it has an effect on skill learns and experience received. However I only know of vague ways to increase or decrease morale. Whereas if my character is constantly doing minimal damage I can change gear, increase weapon skill, getter higher average weapons, etc. For all I know having intrepid morale makes you act like you have haste (but #### if I actually know how to get morale that high short of always leading groups where no one dies or gets seriously maledicted).

I just think it's a slippery slope to keep increasing the difference between those haves versus the have-nots.